Privacy Policy

1. Information We Collect

When you sign up on Dotko, we collect the information that is directly filled by you:

• Account Information - Business Name, Entity Type
• GSTIN, PAN (masked and encrypted)
• Contact details (name, mobile number, email, WhatsApp number)
• Address and business details
• Transaction-related information (invoice number, date, amount, credit period, invoice or ledger copy)
• Uploaded documents (invoice copies, communication proof)
• Usage Information - How you interact and use our platform, includes pages visited, features used and search queries

2. How We Use Your Information

We use information only to:

• Provide, maintain and improve our B2B verification services
• Notify buyers and suppliers about reported transactions
• Analyze payment patterns and predict behaviours
• Send you technical notices, updates and administrative messages
• Generate Trust Scores and ratings based on defined logic
• Improve platform safety, security, and user experience
• Detect, Investigate and prevent fradulent activites
• Comply with legal obligations under MSME and other applicable laws

3. Data Sharing & Visibility Rules

• Uploaded documents are never made public
• Buyer ratings become public only after due process
• Information may be shared with:
  • The counter-party involved in a reported transaction
  • Law enforcement or authorities if legally required
  • With government databases to verify business information
  • With third party vendors who perform services like cloud hosting and analytics on our behalf

4. Data Storage & Security

• All data is stored on secure servers
• Sensitive data is encrypted at rest and in transit
• Access is restricted to authorized personnel only
• However, no method of transmission over the internet is 100% secure and we cannot guarantee absolute security.

5. Data Retention

We retain information:

• As long as your account is active
• As required for dispute resolution, audit, and legal compliance
• Business verification data may be retained for compliance purposes as required by applicable laws

6. Your Rights

You may:

• Access and update your information
• Request correction of inaccurate data
• Request account deletion (subject to legal retention)

Requests can be sent to: trust@dotko.in

7. Children’s Privacy

Dotko is intended for business users only. We do not knowingly collect data from individuals under 18 years of age.

8. Changes to This Policy

We may update this policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and by updating the Last Updated Date. We encourage you to check the privacy policy periodically.

9. Contact

For questions regarding the data practices we implement, you can contact us at:

📧 trust@dotko.in

1. Nature of the Platform

Dotko.in is a neutral trust, reporting, and dispute-resolution facilitation platform. Dotko:

• Is not a credit bureau
• Is not a rating agency
• Is not a legal authority
• Does not guarantee payment recovery

2. User Eligibility

You must:

• Be at least 18 years old
• Use Dotko only for lawful business purposes
• Provide accurate and truthful information

3. Reporting Responsibility

When submitting a report, you confirm that:

• The information is true to the best of your knowledge
• You have supporting documents
• You understand false or malicious reporting may result in suspension or termination

Dotko does not independently verify every claim.

4. Appeal & Resolution Process

• Buyers are provided a defined time window to appeal
• Resolution outcomes are determined by parties involved

5. Ratings & Trust Scores

• Ratings are system-generated based on platform events
• Trust Scores are indicative, not definitive
• Scores may change over time based on behavior and resolution

6. Prohibited Activities

Users must not:

• Submit false or defamatory information
• Harass or threaten other users
• Upload forged or misleading documents
• Attempt to manipulate ratings or scores

7. Account Suspension & Termination

Dotko reserves the right to:

• Suspend or terminate accounts for misuse
• Restrict access without prior notice in case of violations

8. Limitation of Liability

Dotko shall not be liable for:

• Business losses
• Payment defaults
• Indirect or consequential damages
• Decisions taken by users based on platform information

9. Governing Law

These terms are governed by the laws of India. Jurisdiction shall lie with courts in Bangalore.

1. No Legal or Financial Advice

Information on Dotko:

• Does not constitute legal advice
• Does not constitute financial or credit advice
• Should not be treated as a guarantee of payment or recovery

2. No Defamation or Blacklisting

• Dotko does not label any user as a “defaulter” or “fraud”
• All ratings are outcome-based and time-bound
• Visibility occurs only after procedural fairness

3. Third-Party Content

Dotko is not responsible for:

• Accuracy of user-submitted data
• Statements made by users
• Documents uploaded by users

4. Use at Your Own Risk

Any decision made based on information available on Dotko is solely at the user’s discretion and risk.

5. Platform Availability

Dotko does not guarantee uninterrupted or error-free service.

6. Contact

For legal concerns:

📧 trust@dotko.in